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Submitted by:

Preetileena Kattrayan
B.Com 6th Semester
Registration No : 14030043

With time higher education is becoming expensive

and unaffordable for the common people and
specially for the people living below the poverty line.
It is a burning issue for the people of the developing
country like India for which they face scatting
problems to enrol their wards/sons & daughters in
the higher education institutions to shape the
destiny of their future life which leads to human
resource development and development of the
country as a whole. To combat, education loan is
provided to students by several banks, and other
alike financial institutions. A student loan for
education purpose is a type of loan which is
designed to help students pay for their higher
education in terms of associated fees such as

Since on the basis of present educational scenario ,

students educational loan in the developing country
like India is an inevitable requirement of the future
generation of the country. Therefore it is felt that
the analysis of student educational loan provided by
SBI which occupies lion share of the Indian banking
system is necessary. It is also felt that the analysis
will help the needy student of our region / area.

The prime objective of present study is to

to look into the details of student educational loan

provided by the SBI of Namrup branch .

to analyse the pros and cons of the educational

loan providers and its beneficiaries.

Education loans were first started by SBI. Since

then, many other banks are also offering such loans.

Almost all the SBI branches have been

authorized to disburse education loans.

As per fluctuation of the received application the

accepted applications also have some fluctuations.
In 2013-14, 44.44% applications are accepted from
18 application, 43.75% applications accepted in
2014-15 where 52.38% applications are accepted in

Increasing reliance on student fees, student

loans and privatization without considering the low-
income groups may produce regressive effects in
the society. Hence, an alternative student loan
scheme specifically for the weaker sections should
be evolved.

Higher education has become very expensive in

India. Varied fee structures are followed by
different educational institutions. Moreover, the
expenditure on non-fee components of education
has been increasing at a much faster rate. Poor
accessibility of higher education to a sizable
section of the Indian society has become a
serious issue. In view of this trend, a proper

At the end it can be conclude that a large number

of students continue to knock at the doors of
our institutions for higher education. As a nation
we cannot escape the moral obligation of
providing high quality higher education to
each and every son and daughter of this
country. New policies and strategies that will
give rise to larger number of high quality
institutions are the need of the hour. It is
imperative that we find the solutions to these
problems, as we are now engaged in the using
higher education as a powerful tool for creation
of a knowledge-based information society that
will take India into a bright new future.